Systems and methods for mobile deposit of negotiable instruments

Abstract

An image of a negotiable instrument may be taken by a camera associated with a mobile device and provided from a user to a financial institution via the mobile device. The negotiable instrument may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. The mobile device may process the image prior to sending the image to the financial institution. Additionally or alternatively, the financial institution may process the image.

The invention claimed is: 
     
       1. A processor-implemented method of depositing a negotiable instrument, comprising:
 with a processor of a server of a financial institution in communication with a mobile device, the mobile device communicatively coupled to an image capture device, the processor: 
 authenticating a user of the mobile device, the authenticating of the user, comprising: 
 receiving, from the mobile device, authentication information of the user of the mobile device for authenticating the user to a server of the financial institution; and 
 authenticating, through the authentication information, that the user is an authorized consumer of the financial institution; 
 instructing an application on the mobile device, after the authenticating of the user, to enable execution of a remote deposit processing component on the mobile device; 
 receiving, from the remote deposit processing component, confirmation from the user that the user wishes to proceed with depositing the negotiable instrument; 
 receiving, from the remote deposit processing component, an image file of the negotiable instrument, wherein the image file comprises an image of the negotiable instrument captured by the image capture device communicatively coupled to the mobile device of the user; 
 obtaining financial information pertaining to the negotiable instrument from the image file; and 
 depositing funds of the negotiable instrument into an account based on the financial information pertaining to the negotiable instrument. 
 
     
     
       2. The method of  claim 1 , wherein the processor further performs acts of:
 verifying that the image file is readable such that the financial information may be obtained from the negotiable instrument; and 
 obtaining the financial information pertaining to the negotiable instrument from the image file, wherein the financial information includes information regarding an account for depositing funds of the user. 
 
     
     
       3. The method of  claim 1 , wherein the image file is received via an Internet connection or a wireless cellular transmission. 
     
     
       4. The method of  claim 1 , wherein:
 the image of the negotiable instrument comprises a first side of the negotiable instrument, and 
 the image file further comprises a second image comprising a second side of the negotiable instrument. 
 
     
     
       5. The method of  claim 1 , wherein the processor further performs acts of:
 determining whether the financial information is invalid, and if so, transferring the financial information to a representative. 
 
     
     
       6. The method of  claim 1 , further comprising determining whether the financial information is invalid, and if so,
 advising the user; 
 receiving a second image file from the user; 
 obtaining second financial information pertaining to the negotiable instrument from the second image file; and 
 depositing funds of the negotiable instrument into an account based on the second financial information pertaining to the negotiable instrument. 
 
     
     
       7. A computer-readable medium comprising:
 computer-readable instructions for depositing a negotiable instrument, said computer-readable instructions comprising instructions that, when executed by a processor of a server of a financial institution, cause the processor to: 
 authenticate a user of a mobile device, where to authenticate the user, the processor is configured to: 
 receive, from the mobile device, authentication information of the user of the mobile device for authenticating the user to a server of the financial institution; and 
 authenticate, through the authentication information, that the user is an authorized consumer of the financial institution; 
 instruct the application on the mobile device, after the authenticating of the user, to enable execution of a remote deposit processing component on the mobile device; 
 receive confirmation from the user that the user wishes to proceed with depositing the negotiable instrument; 
 receive, from the remote deposit processing component, an image file of the negotiable instrument, wherein the image file comprises an image of the negotiable instrument captured by the image capture device communicatively coupled to the mobile device of the user; 
 obtain financial information pertaining to the negotiable instrument from the image file; and 
 deposit funds of the negotiable instrument identified by the financial information obtained from the negotiable instrument into an account held by the user at the financial institution. 
 
     
     
       8. The computer-readable medium of  claim 7 , wherein the computer-readable instructions further cause the processor to:
 verify that the image file is readable such that financial information may be obtained from the negotiable instrument; and 
 obtain the financial information pertaining to the negotiable instrument from the image file, wherein the financial information includes information regarding an account for depositing funds of the user. 
 
     
     
       9. The computer-readable medium of  claim 7 , wherein the image file is received via an Internet connection or a wireless cellular transmission. 
     
     
       10. The computer-readable medium of  claim 7 , wherein:
 the image of the negotiable instrument comprises a first side of the negotiable instrument, and 
 the image file further comprises a second image comprising a second side of the negotiable instrument. 
 
     
     
       11. The computer-readable medium of  claim 7 , further comprising instructions that determine whether the financial information is invalid, and if so, transfer the financial information to a representative. 
     
     
       12. The computer-readable medium of  claim 7 , further comprising instructions that determine whether the financial information is invalid, and if so,
 advise the user; 
 receive a second image file from the user; 
 obtain second financial information pertaining to the negotiable instrument from the second image file; and 
 deposit funds of the negotiable instrument into an account based on the second financial information pertaining to the negotiable instrument. 
 
     
     
       13. A system for depositing a negotiable instrument, comprising:
 a server of a financial institution, the server comprising: 
 a memory storing instructions; 
 a processor disposed in communication with said memory, the processor configured to execute the instructions to: 
 authenticating a user of a mobile device, the authenticating of the user, comprising: 
 receive, from the mobile device, authentication information of the user of the mobile device for authenticating the user to the server of the financial institution; and 
 authenticate, through the authentication information, that the user is an authorized consumer of the financial institution; 
 instruct an application on the mobile device, after the authenticating of the user, to enable execution of a remote deposit processing component on the mobile device; 
 receive, from the remote deposit processing component, an image file of the negotiable instrument, wherein the image file comprises an image of the negotiable instrument captured by an image capture device communicatively coupled to the mobile device of the user; 
 obtain financial information pertaining to the negotiable instrument from the image file; and 
 deposit funds of the negotiable instrument identified by the financial information obtained from the negotiable instrument into an account held by the user at the financial institution. 
 
     
     
       14. The system of  claim 13 , wherein the processor is further configured to:
 verify that the image file is readable such that financial information may be obtained from the negotiable instrument; and 
 obtain the financial information pertaining to the negotiable instrument from the image file, wherein the financial information includes information regarding an account for depositing funds of the user. 
 
     
     
       15. The system of  claim 13 , wherein the image file is received via an Internet connection or a wireless cellular transmission. 
     
     
       16. The system of  claim 13 , wherein:
 the image of the negotiable instrument comprises a first side of the negotiable instrument, and 
 the image file further comprises a second image comprising a second side of the negotiable instrument. 
 
     
     
       17. The system of  claim 13 , further comprising at least one subsystem that determines whether the financial information is invalid, and if so, transfers the financial information to a representative. 
     
     
       18. The system of  claim 13 , further comprising at least one subsystem that determines whether the financial information is invalid, and if so,
 advises the user; 
 receives a second image file from the user; 
 obtains second financial information pertaining to the negotiable instrument from the second image file; and 
 deposits funds of the negotiable instrument into an account based on the second financial information pertaining to the negotiable instrument. 
 
     
     
       19. A processor-implemented method of depositing a negotiable instrument, comprising:
 with a processor of a mobile device communicatively coupled to an image capture device, the mobile device in communication with a server of a financial institution, the processor: 
 authenticating a user of the mobile device, the authenticating of the user, comprising: 
 sending, via an application on the mobile device, authentication information to the financial institution to authenticate that the user of the mobile device is an authorized consumer of the financial institution; 
 receiving an instruction from the financial institution to enable execution of a remote deposit processing component on the mobile device; 
 capturing an image of a negotiable instrument via an image capture device communicatively coupled to the mobile device; 
 performing a cleaning procedure via the remote deposit processing component on the captured image of the negotiable instrument, the cleaning procedure including deskewing and dewarping the captured image of the negotiable instrument; 
 sending the cleaned image of the negotiable instrument to the financial institution via the remote deposit processing component; and 
 receiving an indication including information related to a status of depositing the negotiable instrument.